Bank fees
What your bank account really costs a month
Published fees of everyday bank accounts, copied from each bank's own pricing guide and linked back to it. Tell us how you bank — how often you draw cash, swipe, pay and deposit — and every account is priced on your month, not a made-up basket. In bank-name order; sort it any way you like. We don't rank or recommend.
- 9 banks
- 12 accounts
- Last checked
| Bank | Account | Your month | Monthly fee | Own ATM | Other bank ATM | Cash at till | Card purchase | EFT (app) | Debit order | Cash deposit | Source | Last checked |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Absa | Transact (pay per transaction) | Needs JavaScript | R7.502026 guide effective 1 Jan 2026; no eligibility stated; includes R5 000 life cover | R11 per R1000R11 per R1 000 for first R2 000/month, thereafter R2.70 per R100 | R10 + R2.70 per R100Saswitch ATM / Post Office terminal | IncludedUnlimited till point withdrawals included | IncludedUnlimited card swipes | R2Digital account payment to other banks | R3.50External debit order; internal debit orders free | R2.70 per R100Absa ATM cash deposit | absa.co.za | |
| Absa | Ultimate (bundle) | Needs JavaScript | R1152026 guide effective 1 Jan 2026; no income requirement stated; Gold credit card included | first R3000 a month free (shared), then R2.70 per R100First R3 000/month of Absa ATM withdrawals + deposits included, then R2.70 per R100 | R10 + R2.70 per R100Saswitch ATM / Post Office terminal | IncludedTill point withdrawals included | IncludedLocal card purchases included | IncludedDigital payments to other banks included | IncludedInternal and external debit orders included | first R3000 a month free (shared), then R2.70 per R100First R3 000/month of Absa ATM withdrawals + deposits included, then R2.70 per R100 | absa.co.za | |
| African Bank | MyWORLD | Needs JavaScript | Not verified | Not verified | Not verified | Not verified | Not verified | Not verified | Not verified | Not verified | africanbank.co.za | |
| Capitec | Global One | Needs JavaScript | Not verified | Not verified | Not verified | Not verified | Not verified | Not verified | Not verified | Not verified | capitecbank.co.za | |
| Discovery Bank | Gold Transaction Account (bundle) | Needs JavaScript | R170Effective 1 Sep 2026; R125 account fee + R45 Vitality Money premium; no income rule stated in fee guide | 4 free, then R5 + R2.85 per R100Discovery has no own ATM network; same 'local ATM' fee applies at any SA ATM; first 4 free | 4 free, then R5 + R2.85 per R100Any local ATM; first 4 free per month | IncludedFree at Checkers, Pick n Pay, Shoprite, selected Spar | IncludedLocal and international purchases free (intl purchase/FX fees separate) | IncludedStandard digital payments free; PayShap/instant: R1-R40 per payment | IncludedSuccessful debit orders free | Not verified | cdn.discovery.co.za | |
| FNB | Easy (bundle) | Needs JavaScript | R77Schedule 1 Jul 2026-30 Jun 2027; no eligibility stated | first R1500 a month free (shared), then R2.80 per R100First R1 500/month free (shared with Cash@Till), then R2.80 per R100 | R12 + R2.80 per R100Other banks' ATMs | first R1500 a month free (shared), then R3First R1 500/month free (shared with FNB ATM), then R3 | IncludedLocal card swipes free | R2Bundle covers FNB-to-FNB only; other banks R2 | IncludedUnlimited debit orders included | first R2000 a month free (shared), then R1.80 per R100First R2 000/month free at FNB ATM | fnb.co.za | |
| FNB | Easy (pay as you use) | Needs JavaScript | R8Schedule 1 Jul 2026-30 Jun 2027; no eligibility stated; Easy Smart not listed in this guide | R12 per R1000FNB ATM cash withdrawal | R12 + R2.80 per R100Other banks' ATMs | R3Cash@Till withdrawal | FreeLocal card swipes free | R2Digital payment to other banks (incl. scheduled) | R3.50External debit order; internal debit orders free | R1.80 per R100FNB ATM with deposits | fnb.co.za | |
| Investec | Private Bank Account | Needs JavaScript | R705Effective 1 Aug 2026; extra accounts R390; Guaranteed Account R375 (R355 under 30); eligibility not stated | IncludedInvestec has no own ATM network; all local ATM withdrawals included | IncludedIncluded in monthly fee | Not verified | IncludedIn-store and online purchases included | IncludedEFTs included; Faster Payments R10/R40; PayShap over R500 R6 | IncludedExternal debit orders included | R1.53 per R100No own ATMs; notes deposit at Absa ATM (coins 8%); Absa branch R10 + 3% min R67 | investec.com | |
| Nedbank | MiGoals | Needs JavaScript | R8No income requirement; under 18 (MiGoals4Kids) pay no monthly fee; effective 1 Jan-31 Dec 2026 | R12 per R1000 | R12 + R12 per R1000Saswitch | R1At participating retailers | IncludedCard purchases listed as free | R1Digital channels (app/online/USSD) | R4 | R2 per R100Nedbank ATM | nedbank.co.za | |
| Nedbank | MiGoals Plus (bundle) | Needs JavaScript | R99R49.50 if aged 18-26 or 55+; 55+ refunded if min daily balance R20 000 | R12 per R1000First R2 000/month withdrawn at Nedbank ATMs free; fee applies above that | R12 + R12 per R1000Saswitch; not part of bundle | IncludedIncluded in bundle at participating retailers | IncludedIncluded in bundle | IncludedIncluded in bundle | IncludedIncluded in bundle | R2 per R100First R2 000/month deposited at Nedbank ATMs free; fee applies above that | nedbank.co.za | |
| Standard Bank | MyMo | Needs JavaScript | R7.50Fees effective 1 Jan 2026 (unchanged from 2025); no eligibility stated | R10 per R1000R10 per R1 000 up to R2 000/month (shared with other-bank ATMs), then R2.80 per R100 | R10 per R1000Same as own ATM; R2 000/month limit shared, then R2.80 per R100 | IncludedFree withdrawals at retailers | IncludedUnlimited card swipes | R2Online account payment; branch R100 | IncludedDebit orders free (R50 at branch) | R1.80 per R100Standard Bank ATM notes deposit | standardbank.co.za | |
| TymeBank | GoTyme Current Account (ex-EveryDay) | Needs JavaScript | R0Rebranded GoTyme Bank; digital only; no income requirement stated; page undated (current) | R10 per R1000No own ATM network - any SA ATM price used | R10 per R1000Any SA ATM | R3Debit card at major retailers; TymeCode withdrawal at PnP/Boxer is free | IncludedLocal and international card purchases free | IncludedNon-instant payment to any bank up to R500 000; instant free to R5 000 then R7 | Not verified | R10 per R1000No own ATMs: card/TymeCode deposit at PnP/Boxer till; first-ever deposit free | gotyme.co.za |
"Your month" = the monthly fee plus every transaction above, priced at the bank's published fee after any free ones. Click a heading to sort; click again to reverse, a third time for bank order.
How to read the table
- Fees are rand, VAT included, as each bank publishes them for 2026 - "R1.20 per R100" means for every R100 or part of it.
- "Included" means the monthly fee already covers it, and "2 free, then ..." means the first two each month cost nothing.
- Bundles that include "the first R3 000 of cash" are counted that way in "Your month". A few pay-as-you-use accounts change their ATM rate after the first R2 000 a month - that is in the note under the fee, and "Your month" uses the first rate.
- Some accounts have an income or age rule - it is in the note under the monthly fee.
- Banks reprice once a year, usually January to March, so check the linked guide before you switch.
- A fee we could not read on the bank's own site is marked "Not verified" and left out of "Your month", which is then flagged. Right now that is African Bank, Capitec: the bank's site would not let us read its fees on 27 October 2026. Use the link in the table.
Facts, not advice. This is each bank's published fee schedule, applied to the numbers you typed. MaxWealth does not rank, recommend or sell any account, and is not paid by any bank. Confirm the fees with the bank before you open or close an account.